Bank Comparison
Peoples State Bank vs Paycom National Trust Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
4 · 8
winning metrics across 12 comparable rows
Capital adequacy
| Metric | Peoples State Bank | Paycom National Trust Bank |
|---|---|---|
| CET1 Ratio | — | 281.28% |
| Tier 1 Capital Ratio | — | 281.28% |
| Total Capital Ratio | — | 281.28% |
| Tier 1 Leverage Ratio | 12.89% | 112.30% |
| Equity / Assets | 12.40% | 92.62% |
Profitability
| Metric | Peoples State Bank | Paycom National Trust Bank |
|---|---|---|
| Return on Assets (ROA) | 1.32% | 45.69% |
| Return on Equity (ROE) | 10.35% | 42.87% |
| Net Interest Margin (NIM) | 6.76% | 3.48% |
| Yield on Earning Assets | 7.15% | 3.48% |
| Cost of Funds | 0.39% | — |
Asset quality
| Metric | Peoples State Bank | Paycom National Trust Bank |
|---|---|---|
| Texas Ratio | 0.00% | 0.00% |
| Non-Performing Loan Ratio | 0.00% | — |
| Non-Performing Asset Ratio | 0.00% | 0.00% |
| Net Charge-Off Ratio | 0.00% | — |
| ACL / Loans | 0.79% | — |
Balance sheet
| Metric | Peoples State Bank | Paycom National Trust Bank |
|---|---|---|
| Total Assets | $14,444K | $18,799K |
| Total Deposits | $12,647K | $0 |
| Total Loans | $10,214K | $0 |
| Total Equity | $1,791K | $17,411K |
| Net Income (quarter) | $46 | $1,771K |
Liquidity & funding
| Metric | Peoples State Bank | Paycom National Trust Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 80.76% | — |
| Core Deposit Ratio | 100.00% | — |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Peoples State Bank | Paycom National Trust Bank |
|---|---|---|
| Headquarters City | BLAIR | OKLAHOMA CITY |
| Headquarters State | OK | OK |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | — |
| Regulator | FDIC | — |
| Domestic Branches | 1 | — |
| Employees (FTE) | 5 | 9 |
| Established | Aug. 25, 1952, midnight | — |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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